Auction Bridging Loans

Auction Bridging Loans are specialized short-term loans intended to help property buyers complete purchases won at auction, where timelines are tight. In property auctions, the winning bidder typically must pay a 10% deposit immediately and settle the remaining balance within a few weeks. Our auction bridging finance is designed to provide the necessary funds quickly – from $1M and up – so you can meet the auction payment deadlines. With swift approvals (often pre-approved before the auction date), high leverage on the property's value, and flexible exit terms, our bridging loans ensure you don't miss out on auction opportunities due to financing constraints.

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Loan Size$1M – $100M
Term Length3–24 Months
Loan-to-Value (LTV)Up to 70%
SecurityFirst charge
Interest PaymentRoll-up or Monthly Servicing

Use Cases

The Rikvin Difference

Why Choose Rikvin Capital?

Fast Turnaround

Our dedicated team can issue a term sheet within 24 hours, and deliver funds within just 2 weeks—minimizing delays and uncertainty.

Flexible Terms

We offer up to 70% LTV, with interest roll-up options to help manage cash flow.

Large-Scale Funding

Borrow up to 100 million to seize high-value opportunities that traditional lenders might not be able to support.

Approachable Experts

With extensive experience in bridging finance, our team works closely with you to understand your goals and structure a deal that fits.

How It Works

The Application Process

  1. 01

    Initial Consultation

    Send us a one-page summary of the property, the loan size you need and your exit plan. We respond within hours with whether the deal fits and an indicative price range. No fees, no commitment at this stage.

  2. 02

    Term Sheet

    Within 24 hours of the initial conversation, we issue an indicative term sheet covering loan amount, rate, term, security and key conditions. You have everything you need to compare against other lenders or to commit on the property.

  3. 03

    Due Diligence

    Once the term sheet is signed, we run KYC, source-of-funds checks and instruct an independent valuation. Most clean deals complete this stage in 5 to 10 working days, and steps run in parallel rather than one after the other.

  4. 04

    Legal Review

    Our specialist solicitors prepare the loan documentation and run title search, taking first charge over the property. We coordinate directly with your conveyancer and any existing lender to keep the timeline tight and avoid double-interest periods.

  5. 05

    Funding Disbursed

    On completion day, funds are wired straight to you or to the seller as instructed. For straightforward Singapore or UK property, the full process from first enquiry to drawdown typically takes 2 to 3 weeks; urgent deals have closed in under 7 days.

Get Funding Approval Within 24 Hours

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Case Studies

Prime Residential Bridging Loan for Holland Road Property

Prime Residential Bridging Loan for Holland Road Property

Loan Amount
SGD 5.70 million
Asset
Semi-detached house
LTV
70 %
Good Class Bungalow GCB Bridging Loan for Binjai Park Property

Good Class Bungalow GCB Bridging Loan for Binjai Park Property

Loan Amount
SGD 20 million
Asset
Good Class Bungalow
LTV
66.9 %
Breaking the Sentosa Property Lending Freeze

Breaking the Sentosa Property Lending Freeze

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Weekend Rescue: How we Delivered $25 Million Bridge Funding for a Billionaire’s Acquisition

Weekend Rescue: How we Delivered $25 Million Bridge Funding for a Billionaire’s Acquisition

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Successful Bridge Loan Solutions for Prime Geylang Property

Successful Bridge Loan Solutions for Prime Geylang Property

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Sentosa Saga: Tailored Bridge Financing in Action

Sentosa Saga: Tailored Bridge Financing in Action

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Empowering Established Brands: Our Bridge Funding Success Story

Empowering Established Brands: Our Bridge Funding Success Story

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Unlocking $25 Million: Alternative Bridge Financing for Prime Property Owners

Unlocking $25 Million: Alternative Bridge Financing for Prime Property Owners

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed
Rikvin Capital’s Bridge Loan Solution for Prime Commercial Property Purchase: A Client’s Success Story

Rikvin Capital’s Bridge Loan Solution for Prime Commercial Property Purchase: A Client’s Success Story

Loan Amount
Confidential
Asset
Asset-backed collateral
LTV
Not disclosed

FAQs

I won a property at auction. How does the 10% deposit and balance loan work?

At a Singapore mortgagee or court auction, the winning bidder pays a 10% deposit on the fall of the hammer and must complete the balance 90% within 8 to 12 weeks (the exact window varies by auctioneer). Banks usually cannot move that fast. We can issue a term sheet within 24 hours and fund the balance, so you complete on time and do not lose the deposit.

Will you fund a mortgagee-sale property bought at auction at a deep discount?

Yes. Mortgagee sales (where the bank takes back and sells the property) often go below market value, which actually makes the loan safer on a real-valuation basis. We lend up to 70% of the lower of purchase price or valuation, often within 10 days. Many of our case studies are auction fire-sale purchases where private financing was the only realistic option.

Can I get pre-approved before I bid at an auction?

Yes, and we recommend it. An indicative term sheet before auction day confirms your maximum bid with committed financing, removes the financing risk and lets you bid with confidence. We can issue a pre-approval based on your profile and the catalogue properties you are targeting. The pre-approval is valid for 30 to 60 days.

How fast can funds be released for a Singapore court-auction completion?

For pre-approved buyers we can release funds within 7 to 10 working days of the auction once the SPA is signed, valuation is in and legal completion is confirmed. For very tight deadlines (under 14 days from hammer to completion) we work with your conveyancer from day one to keep the timeline on track.